COUNTRYWIDE FINANCIAL CORP

ANNUAL REPORT

10-K

AGREEMENT AND PLAN OF MERGER

EX-2

CHANGE IN CONTROL SEVERANCE PLAN

EX-10

COMPUTATION OF PER SHARE EARNINGS

EX-11

COMP. OF THE RATIO OF EARNINGS TO FIXED CHARGES

EX-12

SUBSIDIARIES LISTING

EX-22

CONSENT OF INDEPENDENT CPA

EX-24

ART.5 FDS 10-K

EX-27